A to Z Survey

Saw this survey from an acquaintance’s FB post. I am answering it just for fun hehehe.

A: age – 37

B: biggest fear – snakes (iiiwwww…even just the plastic toys I don’t want to touch those)

C: current time – 11:05 PM

D: drink you had last – water

E: easiest person to talk to – my HS BFF

F: favourite song – right now? This Is The Day by Scott Wesley Brown hehehe

G: grossest memory – my memory is failing me right now.

H: hometown – Baguio

I: in love with – myself :p

J: jealous of – those who can easily, sweetly, and calmly negotiate with people to get what they want.

K: kindest person you know – my mom

L: longest relationship – life long friends would be 30 years, current BF-GF is 1.5 years and hopefully more.

M: middle name – Botangen

N: number of siblings – 5

O: one wish – for a progressive Philippines that can be felt by all Filipinos

P: person you spoke on the phone to last – my brother

Q: questions you’re always asked – “When are you getting married?”

R: reasons to smile – amazing family, supportive friends, existing lovelife hahaha

S: song you sang last – This is the day by Scott Wesley Brown. I just discovered this few hours ago in my playlist and was able to really listen to it and I liked it so I searched for the lyrics and sang (or rather whispered) along while it was playing.

T: time you woke up – 6:45 AM

U: underwear colour – neon pink—joke :p

V: vacation destination – Vatican City

W: worst habit – wasting my time by playing games or aimless
web browsing

X: x-rays you’ve had – chest

Y: your favourite food – at the moment, trail mix. My savior
when food at the concessionaire is blah or can’t even take a
break because of work

Z: zodiac sign – Aries

Personal Finance: COL Financial Chairman’s 2017 Message

I have received an email from COL Financial last week. It contains the Chairman’s (Mr. Edward K. Lee) message for 2017. It started with this quote:

“If investing is entertaining, if you’re having fun, you’re probably not making any money. Good investing is boring.”
–George Soros

And here’s the message:

Dear COL Financial Client,

One of our biggest concerns at COL Financial is that many people start investing or trading in the stock market, even though they don’t understand how to do it. Worse, some people even invest in speculative issues with no understanding of fundamentals, turning investing into gambling as they get excited at the prospect of making a high return.

This is the reason why people lose money in the stock market, and it’s also the reason why people lose faith in the stock market.

People enjoy the rush of earning money from something they don’t understand how to do, not knowing that the boring, slowly-but-surely way of investing is what works out in the long term.

It’s why we are always encouraging everyone, not just COL Clients, to attend and learn from our investing seminars. We want you to understand the rules of investing and trading, so you don’t end up wasting your hard-earned money.

Aside from arming yourself with investing knowledge, I also encourage you to manage your risk.

Start by deciding how much money you are comfortable placing in the stock market. Then, rebalance your portfolio regularly, at least twice or thrice a year, so that the amount of money you have in the stock market is always an amount you’re comfortable with.

Finally, I would like to remind you that what matters is how long you’re in the market—– not timing the market. While we’re not certain what will exactly happen in the stock market this 2017, know that the long-term growth story of our country is strong and intact.

Thus, regularly investing in the Philippine stock market will bring good returns in the long term. It may not be as exciting as following a hot stock tip, but as George Soros says, good investing is boring.

Sincerely,

Edward K. Lee
Founder & Chairman of COL Financial
It’s good to receive emails like this from time to time. Reminders such as this won’t hurt.
I have consistently funneled some amounts in my account for the last 2 years. Unfortunately, I may have to review my allocations this year as I just reallocated some funds for something else so I need to recoup that amount. Let’s see how it goes.

How Can They Do That?

Cu-current events lang ako dahil may hugot ako.

Few times in the past, I have read about the plight of workers of Hacienda Luisita. These workers were recruited from far-flung regions and were promised fair wages and a generally
better opportunity but experienced the opposite. Those promises were not followed. The worst that I read today was that they are locked up so that they cannot leave the premises. What the heck was that?!

This hurts me because my parent’s livelihood was tending to our small garden. And gardening is no joke. Totoo yung magtanim ay di biro. You start work before daybreak. You end work past dinner time with no overtime pay. No day off even. When I was young, we were required to help in the garden after classes and on Saturdays and Sundays. The only chance we get to study is at night after garden work is done. If work extended, then study hours will be delayed. Several times especially during the summer, we work as late as 8 or 9 PM just to finish watering the plants because we just borrowed the water from the neighbor who has more money to buy longer hose so that he can position his water source kilometers away from their property. We are lucky if there is full moon because we have instant light, but if there’s none, then we’d have to make do with flashlights. Or a lighted fire pitch/torch if the flashlight ran out of battery.

If there’s harvest, you need to pack until you’re done even if it means until late night because the harvest needs to be picked up early the next morning to be brought to the market. A few minutes late from schedule means you’ll be stuck in traffic and all the lowland buyers would be gone and you won’t be able to dispose your harvest until the next day where by that time, the quality has already declined, hence you have to sell it at a cheaper price.

We do all these works as a family because money was hard and hiring help was expensive. But on the rare times that our parents hired some help for specific tasks, they did not haggle. We paid them with the onging wage rates at that time. We did not shortchange them. Because doing so would mean depriving their families of a decent meal or worse, the opportunity to send their kids to school.

And today, I saw a post by the assistant secretary of DSWD about the Hacienda Luisita workers who were able to escape the farm and somehow foudn their way to DSWD. Darn!!! Their WEEKLY wages was even less than the daily wage we paid in the ’90s. If this is a joke, it’s not funny. WHY can’t you not fairly pay your workers? Is that too much to do? I’m sure their wages won’t have a massive effect on your overall net worth. Why be so selfish? I don’t understand. This is seriously disturbing.

One item in my bucket list is to be able to put up an agriculture-related business and while my main goal is to make it stable enough to support my family, the other side of the coin is that I want to provide job opportunities even to just a few people.

Sana ako rin may-ari ng ekta-ektaryang lupain. Sana ako rin maraming perang pwedendg ipamuhunan para mabigyan ng trabaho ang iba kahit mangilan-ngilan lang sila. Sana.

Hay. Unayen aya.

pinepitch

Pine torch. Source

2017 Week 8: The Good and the Bad

February 13-19, 2017

Belated Happy Valentine’s Day! How did you celebrate this day? Or are you the type who are not celebrating it since most days should be Valentine’s Day?

The BF and I just sent each other Valentine greetings via text and that was it. No dates, no fancy surprises, no plans of being together this day. We just went on with our day like any ordinary days. And I’m perfectly fine with it. I’d rather have a generally peaceful relationship than being extra/extremely sweet on special occasions but always arguing even on simplest things. But that’s just me.

Weekend

A friend and I were supposed to go out on Saturday to celebrate her birthday (February 19). Unfortunately, she had to rush home to Baguio because her mom was hospitalized. It has something to do with her heart but hopefully it doesn’t develop into something worse.

So I stayed home the whole day and did some cross stitching. My progress is slow but I’m more inspired to continue if I see the design starting to get clearer as I stitch some more hehehe.

I went out at night just to walk a bit. I finally visited Ayala Malls the 30th which is 5 minutes walk away from the apartment. There are still a lot of unopened shops. It’s the restaurants that are open. I saw some that I haven’t eaten yet but looks like these are more expensive so let’s see if my thrifty 2017 self will give in one day hehehe.

On Sunday, I attended the morning mass then met up with my cousin and her family for lunch. She flew to UK to be an OWF as well. She was my roommate for a year in college when I stayed with their family, hence I am close to her and her brothers. She was just in first grade then. Now, she’s an adult. How time flies. Really.

While it would be hard to be away from her family, I’m also excited for her because of this new adventure. She wanted this for so long. I pray that she will be successful in this endeavor, including her plans with her income.

I went with them to the airport to make sure that she gets past immigration without any problems. I’m waiting for her message now to confirm her arrival.

I went home after to what else, cross stitch again hehehe.

Windfall

I qualified for the Uber promo RIDE8TAKE4 so I had a total of Php 400 off in my Uber rides last week hehehe. Thanks, Uber!

The end.

Have a great week ahead.

2017 Week 7: Chillax Weekend

February 6-12, 2017

Work

Other than the same things, I celebrated my 14th work anniversary last February 10. My gosh, 14 years. But thank you, Lord.

Weekend

A friend and I were supposed to go to The Plant & Garden Show at the QC Memorial Circle last Saturday but she had some take home work so we cancelled. I just stayed home and did some domestic chores. Some only, not all, and those that need to be done, like laundry. The rest can wait hahaha.

I also brought out my cross stitch project which I put at the back of the cabinet for years! I felt a little guilty for not diligently working on it but I’m glad I brought it out once again because I was inspired to continue doing it when I saw that I was almost done with one page of the pattern. I’m doing The Last Supper though, and it’s big so good luck to me. I’ll hang this in my hallway in Baguio. My next project is the Banaue Rice Terraces, also to be displayed in Baguio hehehe. I bought the materials years ago…and I hope to complete everything at least 1-2 years from now. Di rin kasi talaga biro ang magcross stitch sa totoo lang. And of course, kailangan din ipahinga ang mata.

After mass on Sunday, I went to the mall for some window shopping. Yung totoo talaga, gusto ko lang maglakad-lakad. Maiba naman kesa nakakulong sa bahay. Plus, I needed to buy some grocery and what else, DMC thread hehehe.

When I got tired malling, I went home and did some more cross stitching while occassionally watching TV.

Oooppsss, I would also like to share this. A friend shared it in FB. I’m interested in Poulty Production and Processing. Maraming nagsusulputang kainan kasi. For sure kailangan nila ng mga manok! Tik tik tilaok! :p

AgriSeminar

Enroll na!

I will inquire and share it here kung anuman ang nalaman ko.

The end.

Have a great week ahead.

Work Anniversary

Today, February 10, is my 14th anniversary at work. Wala lang. Gusto ko lang i-note. At i-remind ang sarili kong ang tanda ko na hahaha. Di ko akalaing tatagal ako ng ganito dito.

There are ups and downs (di naman nawawala yun as it’s a part of all aspects of life) but I am grateful for all the opportunities, learnings and friendships I continue to experience in my stay here.

Sakto, may binili silang cake for the February birthday boys and girls. Naambunan ako. Biglang cheat day tuloy hahaha.

cake

On another note, my employer is also celebrating their company’s 40th anniversary. And the PH operations is celebrating its 20th this year too! Grabe, half of this company’s life pala has been with PH. So meaning to say, 20 years na rin syang nag-eemploy ng Pinoys. Wow. Naalala ko lang. When I joined the company, there were less than 4,000 employees in the Philippines. Now, we are at 16,000++. I know because I work with HR systems and I am asked about headcount often hehehe.

Anyway, thank you, employer for still not pulling out from PH. I sincerely wish you success in the business as your success also means food on the table for your employees. Thank you.

2017 Week 6: Celebrations with Friends

January 30 – February 5, 2017

Weekend

My weekend was hectic and even if I was not feeling well, I went to all my appointments hehehe.

Speaking of being sick muna, I’m not sure why. The only valid cause I can think of was that I slept late but also woke up late so that was still 6-7 hours of sleep. Or maybe I caught a virus from someone. Or sadyang ganito talaga pag tumatanda na. Tsk tsk tsk. Hmp!

Anyway, going back.

I met with 2 of my babies (former office mates) for lunch on Saturday. One already has a baby, the other one recently got married (but hubby is in the US, hence still has free time hehe), but we wanted to meet up so…We went to Chili’s because this was the only place without a line at lunch time hehe. Gusto lang talaga namin magchismisan kahit ilang oras lang.

In the evening, I met with another group of friends because it was time to watch Wicked! We booked our tickets last July 2016 and we were all surprised last week when one realized that our schedule was last Saturday hehehe.

The show was great! But I need to watch Wizzard of Oz. To be honest, I don’t have any idea about Wicked prior the show. Basta ang alam ko lang, musical sya hehehe. So review ako pabaliktad hehehehe.

Wicked_02042017

Waiting for the play to start

After the show, we all headed home. Buti na lang wala nang nagyaya pa ng gimik. I just packed my things because I went home to Baguio for some errands too hehehe. Di na nga lang ako nakauwi sa bahay. Sa bus terminal na rin ako nagfreshen up. I just met up with my brother at the terminal to hand him the Baclaran goodies. I met up with my other brother in church to hand him the cash he needs for our project. Tipong hello, goodbye kasi bigla akong tinawag dahil nagstart na ang binyag hehehe.

Yes, it was my childhood friend’s son’s baptism at ginawa akong official ninang na lang in exchange of the one who wasn’t able to attend dahil sa Pampanga pa manggagaling. He is my nth inaanak. Di ko na sure pang-ilan sya. Di naman sobrang dami pero more than 10 na rin ata hahaha.

The reception was at a restaurant on top of Pugis, La Trinidad. Nauuso na rin sa amin ito. Dati kasi, luto sa bahay. Pero I think mas ok na rin ito. No hassle to prepare food. Walang mapapagod. Wala ring mag-ooverstay sa bahay hehehehe.

BabyB1

Sorry baby. Ninang is afraid to hold you for long because you might cry hehehe.

BabyB2

Yes, baby? Why the brooding look?

The BF and I had the chance to go out for dinner before I went back to Manila.

RM_02052017

Ok. Ganito kasi yun. Reklamo sya ng reklamo tuwing pinapakuha ko ng picture kasi nakakahiya daw pero pag hawak na nya ang camera, trigger happy naman. Ako na yung nagpapahinto sa kanya. Hmp! Arti :p

Kuracha. Tiring but all worth it.

Effort din talaga ang friendships. Like any relationship, we also have to work on it to nurture it, especially if these are friends to keep for life.

Discovery/ies

My boss gave me this. Giveaway daw nung namakyaw sya sa baby sale. Typical sweet corn chips. Ang weird lang ng feeling na for moms-to-be sya eh hindi pa naman ako yun hahahaha. I-share ko na rin lang in case may buntis na napadpad dito hehehe.

chips

Nutritious snack for moms-to-be.

The end.

Have a great week ahead.

2017 Week 5: A Quick Visit to Cavite

January 23-29, 2017

Weekend

Saturday was spent mostly at home and a few hours at the mall.I was looking for nude shoes but nothing caught my attention. However, I tried checking out the items on sale at Kickers and was able to score one that I like that’s discounted for 50% so I just paid Php 1,420.00. I know Kickers is expensive so I don’t normally check out this brand. But it’s good to know that they can give discounts as high as 50% because there is another pair that I tried but it’s more expensive so I did not buy it. Maybe some other time if I get lucky.

shoes1

New shoes which I hope will last me for years. I have high expectations for this brand given that their normal prices are expensive.

On Sunday, a friend and I went to Cavite to attend our other friend’s son’s baptism. It was held the Holy Family Church at Lancaster New City. If I remember correctly, this was the location of the reality show “I Do” some years back.

Anyway, we got lost because we boarded the wrong bus at the South terminal plus the conductor forgot that the driver should drop us off somewhere along the way so that we can ride the correct bus. We had to go back via a mini bus (the conductor called it baby bus hehe). We eventually found the place.

However, because of the several transfers and the expensive tricycle fare goint to the chapel, we realized that it would have been better if we just took Uber.

The reception was at Kinamot Restaurant that’s also in Lancaster. We feasted on at least 5 Pinoy dishes. Busog lusog to the max. I liked the ambiance because it’s a picnic by the nipa huts.

We left right after lunch. This time, we tried Uber because all buses were full. Luckily, there was one available. While it’s more expensive, at least we were back in Manila by 3 PM.

We got off at MRT Taft and proceeded right away to Baclaran to buy some goodies.

We went home after for that much needed rest before another work week.

Firsts

First time to ride  the famous mini bus in Cavite.

Mini bus

First time in Lancaster New City.

HolyFamily1

The Holy Family church. The cross is made up of clear glass so that’s natural light coming in.

Kinamot1

Kinamot Restaurant which is along the road going to Lancaster New City.

Discoveries
Healthy You Trail Mix

My search for a trail mix go years back when I was still so into hiking.

I cannot find any until recently at S&R. However, I did not like the one I bought.

Last week, I chanced upon Healthy You Trail Mix so I bought one to try.

HealthyYou1

I like this better because the nuts are unsalted hence, you won’t easily go thirsty. Plus I think it’s cheap at Php 180.75 for 450g. That’s less than Php 400.00 for close to 1 kl which is still cheaper than when you create your own trail mix.

It’s exclusively packed for Robinson’s Supermarket but I hope it will also become available on other supermarkets.

The end.

Have a great week ahead, or at least what’s left of this week hehe.

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